Arizona Auto Insurance Policy Requirements

Q: What kinds of coverage are included in a basic Arizona auto insurance policy?
A: You can opt to include these primary types of auto insurance in your Arizona auto insurance policy:

  1. Liability Coverage
    1. Because insurance always separates the concepts of people and property, there are two types of liability insurance:
      1. Bodily Injury Liability Coverage
      2. Property Damage Liability Coverage
    2. In the state of Arizona you must have liability coverage by law. In addition to having a valid driver’s license in order to be a legal driver in Arizona, your auto insurance policy must include a minimum liability coverage:
      1. 15/30/10” (Arizona’s minimum auto insurance requirement)
      2. $15,000 for injury/death to one person.
      3. $30,000 for injury/death to more than one person.
      4. $10,000 for damage to property.
    3. Liability minimums vary for vehicles that are on lease
  2. Collision Coverage is required by law if you have not completely financed your vehicle. If your vehicle is completely paid for, however, then it is recommended that you include collision as an option though it is not required.
  3. Comprehensive Coverage is required by law if your vehicle is financed. Otherwise, you can choose comprehensive as an option on your Arizona auto insurance policy.
  4. Medical Payments Coverage is always advisable but not required for Arizona auto insurance policies.
  5. Uninsured (and Underinsured) Motorist Coverage is also an advisable but not mandatory insurance option in Arizona.
  6. Personal Injury Protection (PIP) Coverage is not a requirement for Arizona auto insurance policies.
  7. Other Options
    1. Towing Coverage
    2. Rental Coverage
    3. Loan/Lease Gap Coverage
Q: Is Arizona a No-Fault state?
A: No, Arizona is not a state that uses no-fault insurance policies.

Q: How can I obtain a discount on an Arizona auto insurance policy?
A: Many qualifiers can help you save money on auto insurance policies. Please review our list of for guidance.

Q: Where can I find more information about Arizona auto insurance?
A: These well-respected internet resources offer more information on Arizona insurance:

  1. Arizona Insurance Resources
    1. The Arizona Motor Vehicle Division (MVD) registers vehicles in Arizona, issues drivers licenses, and keeps driving records of convictions and accidents. The auto insurance page of the MVD explores frequently asked questions about mandatory auto insurance requirements.
    2. The Arizona Department of Insurance (ADOI) is a regulatory agency that carries out state insurance laws and provides the public with information on several kinds of insurance.
  2. National Insurance Resources

CLICKinsure offers automobile insurance coverage for Arizona, a state with roads networked across stunning landscapes of open desert plains, sprawling plateaus, and looming buttes. From Yuma to the Navajo Nation and from the Grand Canyon to Saguaro National Park near Tucson – your helpful CLICKinsure agent can outline your insurance policy options and find the best to fit your needs. As your broker, CLICKinsure will provide you with the best auto insurance rates, whether you live in Ahwatukee Foothills Village of Phoenix or deep in the Sonoran desert.